| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, INC. | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $788K | $0 | $788K | 5.01% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | USABLE LIFE | $1.1M | $0 | $1.1M | 14.94% |
| GROUP INSURANCE SERVICES INC3 Filed as: GROUP INSURANCE SERVICES, INC. | 1 CAMERON HILL CIRCLE 2.5 CHATTANOOGA, TN 37402 | USABLE LIFE | $178K | $0 | $178K | 2.49% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $880K | $88K | $968K | 16.50% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $630K | $153K | $782K | 20.50% |
| CREATIVE WORKSITE SOLUTIONS LLC3 | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | RELIANCE STANDARD LIFE INSURANCE COMPANY | $130K | $0 | $130K | 15.00% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $30K | $0 | $30K | 6.01% |
| MITCH BESVINICK3 | 1280 BRIGHTON WAY NEWTON SQUARE, PA 19073 | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | $25K | $0 | $25K | 5.01% |
| CREATIVE WORKSITE SOLUTIONS LLC3 Filed as: CREATIVE WORKSITE SOLUTIONS, INC. | 3404 SALTERBECK STREET SUITE 207 MOUNT PLEASANT, SC 29466 | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | $20K | $0 | $20K | 7.94% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 194,427 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 52 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 194,479 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Health (medical) | GLOBE LIFE AND ACCIDENT INSURANCE COMPANY | 755 | $493K |
| Dental(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 50,398 | $16.0M |
| Vision(2 contracts) | BLUECROSS BLUESHIELD OF TENNESSEE, INC. | 50,398 | $16.0M |
| Life insurance | USABLE LIFE | 38,009 | $7.2M |
| Short-term disability(2 contracts, 2 carriers) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 10,695 | $6.4M |
| Long-term disability(2 contracts) | RELIANCE STANDARD LIFE INSURANCE COMPANY | 7,058 | $4.7M |
| Other(3 contracts, 3 carriers) | USABLE LIFE | 213,306 | $8.1M |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 213,306 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.